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of hours. go make some good memories. >>> thanks. see you at the top of the hour. govern, everyone. i'm christine romans, welcome to our help desk special. the best way to make money is make sure your money is working for you. be honest. maybe you'd rather go to the dentist than get an annual checkup of your money. here goes. sit down. it won't hurt. you won't have the to give up your morning latte or anything like that. three drivers for your health, job, investment and health. a great year for the s&p 500. did you miss it? the s&p is up around 13% so far this year. the dow is above 13,000 again. calm it the ben bernanke rally. his fed pumping billions of dollars into the company, and stocks are loving it. but individual investors have missed it. stock, mutual fund outflows upwards of a trillion dollars so far this year. don't feel bad. hedge funds running scared, too. what's been scaring everybody? the fiscal cliff, anemic u.s. growth, europe's financial crisis, china's slowdown. so proceed, but proceed with caution. co-founder and president of ulta capital management, jack otter, e
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